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- Thurman WilliamsonThurman_Williamson - posted recentlyI want to collaborate!I want to collaborate!
Jason Wilson jason
Category: Photography - in Art
Category: Photography - in Art
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<span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Photography - in Art</span><br />
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Millie Zemlak Millie_Zemlak
(NewsUSA) - "To shave strokes from your golf game, the only equipment you need is a good eraser."
Although this phrase is uttered jokingly by many golfers, recreational golfers who've reached their plateau have had very few other options, until now.
"If recreational golfers insist on following the rules used by the PGA Tour, there's little they can do to immediately improve their game," says John Hoeflich, executive director, of the United States Recreational Golf Association (USRGA). "However, if they play by USRGA rules, they do have the option to switch to better equipment."
The USRGA is the official organization that governs recreational golf. Its rules allow the use of higher-performance golf equipment. Hoeflich estimates that more than half of U.S. golfers agree with the USRGA rules that permit equipment that "puts fun back in the game, speeds up play and helps achieve better scores."
Callaway Golf started the recreational equipment movement in 2000 with the ERC II driver. Now Polara Golf is advancing the movement with its Advantage driver and Ultimate Straight golf balls -- both engineered to eclipse the PGA limits, which means you can't play them in the Masters or U.S. Open.
David Felker, chief technology officer for Polara Golf, explains, "Our drivers and balls are not intended for the top amateur players and professionals. We purposely designed equipment that exceeds the performance limits accepted by the PGA Tour, so that recreational golfers can experience less frustration, score lower and have more fun."
A 2012 Google consumer survey revealed that 63 percent of respondents would consider using golf equipment that provides a performance advantage. This sentiment is shared by the PGA of America president, Ted Bishop, who says, "I think anything we can do to relax the rules, if it means putting non-conforming equipment in the hands of players that enable them to hit the ball higher and farther and enjoy the game more -- what's the problem?"
According to the National Golf Foundation, golf rounds have fallen by 8 percent since 2007, largely due to the frustrations of the game, excessive play times and high costs.
"The technology now exists to make golf more pleasurable for everyone," says Felker. "Who doesn't want to have more fun?"
For more information, visit www.polaragolf.com and www.usrga.org.
Ref: Golf - in Blogs
Although this phrase is uttered jokingly by many golfers, recreational golfers who've reached their plateau have had very few other options, until now.
"If recreational golfers insist on following the rules used by the PGA Tour, there's little they can do to immediately improve their game," says John Hoeflich, executive director, of the United States Recreational Golf Association (USRGA). "However, if they play by USRGA rules, they do have the option to switch to better equipment."
The USRGA is the official organization that governs recreational golf. Its rules allow the use of higher-performance golf equipment. Hoeflich estimates that more than half of U.S. golfers agree with the USRGA rules that permit equipment that "puts fun back in the game, speeds up play and helps achieve better scores."
Callaway Golf started the recreational equipment movement in 2000 with the ERC II driver. Now Polara Golf is advancing the movement with its Advantage driver and Ultimate Straight golf balls -- both engineered to eclipse the PGA limits, which means you can't play them in the Masters or U.S. Open.
David Felker, chief technology officer for Polara Golf, explains, "Our drivers and balls are not intended for the top amateur players and professionals. We purposely designed equipment that exceeds the performance limits accepted by the PGA Tour, so that recreational golfers can experience less frustration, score lower and have more fun."
A 2012 Google consumer survey revealed that 63 percent of respondents would consider using golf equipment that provides a performance advantage. This sentiment is shared by the PGA of America president, Ted Bishop, who says, "I think anything we can do to relax the rules, if it means putting non-conforming equipment in the hands of players that enable them to hit the ball higher and farther and enjoy the game more -- what's the problem?"
According to the National Golf Foundation, golf rounds have fallen by 8 percent since 2007, largely due to the frustrations of the game, excessive play times and high costs.
"The technology now exists to make golf more pleasurable for everyone," says Felker. "Who doesn't want to have more fun?"
For more information, visit www.polaragolf.com and www.usrga.org.
Ref: Golf - in Blogs
(NewsUSA) - "To shave strokes from your golf game, the only equipment you need is a good eraser."<br />
<br />
Although this phrase is uttered jokingly by many golfers, recreational golfers who've reached their plateau have had very few other options, until now.<br />
<br />
"If recreational golfers insist on following the rules used by the PGA Tour, there's little they can do to immediately improve their game," says John Hoeflich, executive director, of the United States Recreational Golf Association (USRGA). "However, if they play by USRGA rules, they do have the option to switch to better equipment."<br />
<br />
The USRGA is the official organization that governs recreational golf. Its rules allow the use of higher-performance golf equipment. Hoeflich estimates that more than half of U.S. golfers agree with the USRGA rules that permit equipment that "puts fun back in the game, speeds up play and helps achieve better scores."<br />
<br />
Callaway Golf started the recreational equipment movement in 2000 with the ERC II driver. Now Polara Golf is advancing the movement with its Advantage driver and Ultimate Straight golf balls -- both engineered to eclipse the PGA limits, which means you can't play them in the Masters or U.S. Open.<br />
<br />
David Felker, chief technology officer for Polara Golf, explains, "Our drivers and balls are not intended for the top amateur players and professionals. We purposely designed equipment that exceeds the performance limits accepted by the PGA Tour, so that recreational golfers can experience less frustration, score lower and have more fun."<br />
<br />
A 2012 Google consumer survey revealed that 63 percent of respondents would consider using golf equipment that provides a performance advantage. This sentiment is shared by the PGA of America president, Ted Bishop, who says, "I think anything we can do to relax the rules, if it means putting non-conforming equipment in the hands of players that enable them to hit the ball higher and farther and enjoy the game more -- what's the problem?"<br />
<br />
According to the National Golf Foundation, golf rounds have fallen by 8 percent since 2007, largely due to the frustrations of the game, excessive play times and high costs.<br />
<br />
"The technology now exists to make golf more pleasurable for everyone," says Felker. "Who doesn't want to have more fun?"<br />
<br />
For more information, visit www.polaragolf.com and www.usrga.org.<br />
<br />
Ref: Golf - in Blogs
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Millie Zemlak Millie_Zemlak
(NewsUSA) - It seems as if there's co-ops for just about everything these days - condos, farms, horses, and now yachts.
Consider this: as with anything worth having, there are expenses and hassles associated with boat ownership that you may not even be aware of. But partial (fractional) ownership offers "all of the luxury and none of the hassle" according to the website of yacht co-op management company Saveene.
It works like this: The more fractions you purchase, the more yacht usage you can experience. For example, a 10 percent purchase equals approximately four weeks of yachting time each year; 20 percent entitles you to eight weeks, and so on.
For those who enjoy the periodical pleasure of luxury boating, fractional ownership is more cost-effective than sporadic charters, and has several other advantages:
- Predictability. Saveene fractional owners hold equity in the yacht and have the option to sell their fraction any time they like. Purchase as many fractions as you want, up to 10 fractions per yacht. When you choose your dates, contact Saveene and they will schedule and prepare your yacht for your arrival.
- Pampering. When you arrive at the marina, the yacht is clean, stocked, and safety-checked. Chart your course in advance, or allow your captain to create a memorable itinerary. Bring any food and beverages you choose, or Saveene yachts accommodate a chef or catering service.
- Peace of mind. With fractional ownership, you avoid many headaches associated with owning a boat outright, including maintenance, repairs, storage, transportation, and insurance. Saveene handles the business transactions of purchasing and selling the fractions as well when the time comes.
Saveene offers a range of options for yacht enthusiasts - a Sea Ray Sundancer for $19,995, a 36' Carver Mariner for a one-time fee of $ 39,995, a 64' Aicon for $89,980 or a combined usage of these for $69,985. All types are available at the same marina for viewing before making a purchase.
Sea Ray Sundancer: This 34-foot cruiser is ideal for families, and easy to maneuver along intercoastal waterways for boating, snorkeling, and dining at dockside restaurants.
Carver Mariner: This 37-foot boat features a fly bridge suited for parties, a home-size galley to accommodate larger food prep or catering, and a full entertainment center.
Aicon: The 64-foot yacht includes four full-sized cabins plus crew quarters to handle an extended excursion. All cabins include their own facilities and TV/DVD setups, and the yacht includes a collection of water toys for kids of all ages.
Want to go bigger? Saveene is also taking orders for an 85-foot Azimut yacht.
Other benefits include the opportunity to check out Saveene yachts for a risk-free trial and the ability to write off your fractional purchase on your taxes.
For more information about the benefits of yacht co-ownership, visit saveene.com.
Ref: Boats - in Blogs
Consider this: as with anything worth having, there are expenses and hassles associated with boat ownership that you may not even be aware of. But partial (fractional) ownership offers "all of the luxury and none of the hassle" according to the website of yacht co-op management company Saveene.
It works like this: The more fractions you purchase, the more yacht usage you can experience. For example, a 10 percent purchase equals approximately four weeks of yachting time each year; 20 percent entitles you to eight weeks, and so on.
For those who enjoy the periodical pleasure of luxury boating, fractional ownership is more cost-effective than sporadic charters, and has several other advantages:
- Predictability. Saveene fractional owners hold equity in the yacht and have the option to sell their fraction any time they like. Purchase as many fractions as you want, up to 10 fractions per yacht. When you choose your dates, contact Saveene and they will schedule and prepare your yacht for your arrival.
- Pampering. When you arrive at the marina, the yacht is clean, stocked, and safety-checked. Chart your course in advance, or allow your captain to create a memorable itinerary. Bring any food and beverages you choose, or Saveene yachts accommodate a chef or catering service.
- Peace of mind. With fractional ownership, you avoid many headaches associated with owning a boat outright, including maintenance, repairs, storage, transportation, and insurance. Saveene handles the business transactions of purchasing and selling the fractions as well when the time comes.
Saveene offers a range of options for yacht enthusiasts - a Sea Ray Sundancer for $19,995, a 36' Carver Mariner for a one-time fee of $ 39,995, a 64' Aicon for $89,980 or a combined usage of these for $69,985. All types are available at the same marina for viewing before making a purchase.
Sea Ray Sundancer: This 34-foot cruiser is ideal for families, and easy to maneuver along intercoastal waterways for boating, snorkeling, and dining at dockside restaurants.
Carver Mariner: This 37-foot boat features a fly bridge suited for parties, a home-size galley to accommodate larger food prep or catering, and a full entertainment center.
Aicon: The 64-foot yacht includes four full-sized cabins plus crew quarters to handle an extended excursion. All cabins include their own facilities and TV/DVD setups, and the yacht includes a collection of water toys for kids of all ages.
Want to go bigger? Saveene is also taking orders for an 85-foot Azimut yacht.
Other benefits include the opportunity to check out Saveene yachts for a risk-free trial and the ability to write off your fractional purchase on your taxes.
For more information about the benefits of yacht co-ownership, visit saveene.com.
Ref: Boats - in Blogs
(NewsUSA) - It seems as if there's co-ops for just about everything these days - condos, farms, horses, and now yachts.<br />
<br />
Consider this: as with anything worth having, there are expenses and hassles associated with boat ownership that you may not even be aware of. But partial (fractional) ownership offers "all of the luxury and none of the hassle" according to the website of yacht co-op management company Saveene.<br />
<br />
It works like this: The more fractions you purchase, the more yacht usage you can experience. For example, a 10 percent purchase equals approximately four weeks of yachting time each year; 20 percent entitles you to eight weeks, and so on.<br />
<br />
For those who enjoy the periodical pleasure of luxury boating, fractional ownership is more cost-effective than sporadic charters, and has several other advantages:<br />
<br />
- Predictability. Saveene fractional owners hold equity in the yacht and have the option to sell their fraction any time they like. Purchase as many fractions as you want, up to 10 fractions per yacht. When you choose your dates, contact Saveene and they will schedule and prepare your yacht for your arrival.<br />
<br />
- Pampering. When you arrive at the marina, the yacht is clean, stocked, and safety-checked. Chart your course in advance, or allow your captain to create a memorable itinerary. Bring any food and beverages you choose, or Saveene yachts accommodate a chef or catering service.<br />
<br />
- Peace of mind. With fractional ownership, you avoid many headaches associated with owning a boat outright, including maintenance, repairs, storage, transportation, and insurance. Saveene handles the business transactions of purchasing and selling the fractions as well when the time comes.<br />
<br />
Saveene offers a range of options for yacht enthusiasts - a Sea Ray Sundancer for $19,995, a 36' Carver Mariner for a one-time fee of $ 39,995, a 64' Aicon for $89,980 or a combined usage of these for $69,985. All types are available at the same marina for viewing before making a purchase.<br />
<br />
Sea Ray Sundancer: This 34-foot cruiser is ideal for families, and easy to maneuver along intercoastal waterways for boating, snorkeling, and dining at dockside restaurants.<br />
<br />
Carver Mariner: This 37-foot boat features a fly bridge suited for parties, a home-size galley to accommodate larger food prep or catering, and a full entertainment center.<br />
<br />
Aicon: The 64-foot yacht includes four full-sized cabins plus crew quarters to handle an extended excursion. All cabins include their own facilities and TV/DVD setups, and the yacht includes a collection of water toys for kids of all ages.<br />
<br />
Want to go bigger? Saveene is also taking orders for an 85-foot Azimut yacht.<br />
<br />
Other benefits include the opportunity to check out Saveene yachts for a risk-free trial and the ability to write off your fractional purchase on your taxes.<br />
<br />
For more information about the benefits of yacht co-ownership, visit saveene.com.<br />
<br />
Ref: Boats - in Blogs
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Millie Zemlak Millie_Zemlak
(NewsUSA) - Today most homeowners want to do right by the environment while also caring for the health and wellness of their own families. But they don't always know what measures they can take with the design, construction, and furnishing of their houses to achieve eco-friendly, health-enhancing results.
"Many responsible consumers are uncertain what a 'sustainable' product or material is," notes Linda Jovanovich of the American Hardwood Information Center, www.hardwoodinfo.com.
"It simply means the particular resource is self-replenishing - something we can use freely now without fear that its supply will run out in the future. Since American hardwood forests renew themselves almost twice as fast as they are harvested, the U.S. supply of hardwoods for flooring, furniture, cabinetry, and millwork is sustainable now and for generations to come."
As well as being plentiful and sustainable, American hardwood is carbon neutral: Growing trees absorb carbon dioxide from the atmosphere and break it down into oxygen, which is returned to the air, and carbon, which is used to create roots, trunk, branches, and leaves. In short, the use of natural American hardwoods throughout a house helps with the long-term removal of carbon from the environment.
Hardwood can also benefit a household's general well-being.
When artist Hadley Williams renovated her family home in California's Bay Area, she asked the makeover team - designer Sherry Williamson, architect Andrew Mann, and builder Michael McCutcheon - for a clean-lined, ultra-eco-friendly residence. They wrapped all the floors, ceilings, walls, and casework in the gutted interiors with plain-sawn American white oak, achieving a beautiful balance among aesthetics, sustainability, and healthfulness.
Since the latter was a priority, each and every building product used was screened for a comprehensive list of more than 900 chemicals of concern. Using solid timber helped avoid the unhealthy volatile organic compounds (VOCs) found in laminate glues. Thanks to those efforts, the house has been certified LEED Platinum - the U.S. Green Building Council's highest ranking.
Architect Stephanie Horowitz of Boston-based ZeroEnergy Design is another expert at creating contemporary, environmentally sensitive, family-friendly homes.
"We regularly specify domestic, sustainably harvested hardwood floors," she says.
"When paired with a non-VOC finish, a hardwood floor helps maintain healthy indoor-air quality while allowing us to support local business and overall environmental health."
Such was the case with a house she recently designed for a client who wanted an exceptionally healthy and comfortable living environment in a traditional neighborhood. By installing quarter-sawn white-oak floors, and selecting other durable materials and finishes with low or no VOCs and no added urea formaldehyde, Horowitz was able to achieve LEED-platinum certification for the house and, more importantly, ensure that its inhabitants can breathe easy.
Visit www.hardwoodinfo.com for more about sustainability and healthfulness in relation to home applications and products using American hardwoods.
Ref: Decoration - in Blogs
"Many responsible consumers are uncertain what a 'sustainable' product or material is," notes Linda Jovanovich of the American Hardwood Information Center, www.hardwoodinfo.com.
"It simply means the particular resource is self-replenishing - something we can use freely now without fear that its supply will run out in the future. Since American hardwood forests renew themselves almost twice as fast as they are harvested, the U.S. supply of hardwoods for flooring, furniture, cabinetry, and millwork is sustainable now and for generations to come."
As well as being plentiful and sustainable, American hardwood is carbon neutral: Growing trees absorb carbon dioxide from the atmosphere and break it down into oxygen, which is returned to the air, and carbon, which is used to create roots, trunk, branches, and leaves. In short, the use of natural American hardwoods throughout a house helps with the long-term removal of carbon from the environment.
Hardwood can also benefit a household's general well-being.
When artist Hadley Williams renovated her family home in California's Bay Area, she asked the makeover team - designer Sherry Williamson, architect Andrew Mann, and builder Michael McCutcheon - for a clean-lined, ultra-eco-friendly residence. They wrapped all the floors, ceilings, walls, and casework in the gutted interiors with plain-sawn American white oak, achieving a beautiful balance among aesthetics, sustainability, and healthfulness.
Since the latter was a priority, each and every building product used was screened for a comprehensive list of more than 900 chemicals of concern. Using solid timber helped avoid the unhealthy volatile organic compounds (VOCs) found in laminate glues. Thanks to those efforts, the house has been certified LEED Platinum - the U.S. Green Building Council's highest ranking.
Architect Stephanie Horowitz of Boston-based ZeroEnergy Design is another expert at creating contemporary, environmentally sensitive, family-friendly homes.
"We regularly specify domestic, sustainably harvested hardwood floors," she says.
"When paired with a non-VOC finish, a hardwood floor helps maintain healthy indoor-air quality while allowing us to support local business and overall environmental health."
Such was the case with a house she recently designed for a client who wanted an exceptionally healthy and comfortable living environment in a traditional neighborhood. By installing quarter-sawn white-oak floors, and selecting other durable materials and finishes with low or no VOCs and no added urea formaldehyde, Horowitz was able to achieve LEED-platinum certification for the house and, more importantly, ensure that its inhabitants can breathe easy.
Visit www.hardwoodinfo.com for more about sustainability and healthfulness in relation to home applications and products using American hardwoods.
Ref: Decoration - in Blogs
(NewsUSA) - Today most homeowners want to do right by the environment while also caring for the health and wellness of their own families. But they don't always know what measures they can take with the design, construction, and furnishing of their houses to achieve eco-friendly, health-enhancing results.<br />
<br />
"Many responsible consumers are uncertain what a 'sustainable' product or material is," notes Linda Jovanovich of the American Hardwood Information Center, www.hardwoodinfo.com.<br />
<br />
"It simply means the particular resource is self-replenishing - something we can use freely now without fear that its supply will run out in the future. Since American hardwood forests renew themselves almost twice as fast as they are harvested, the U.S. supply of hardwoods for flooring, furniture, cabinetry, and millwork is sustainable now and for generations to come."<br />
<br />
As well as being plentiful and sustainable, American hardwood is carbon neutral: Growing trees absorb carbon dioxide from the atmosphere and break it down into oxygen, which is returned to the air, and carbon, which is used to create roots, trunk, branches, and leaves. In short, the use of natural American hardwoods throughout a house helps with the long-term removal of carbon from the environment.<br />
<br />
Hardwood can also benefit a household's general well-being.<br />
<br />
When artist Hadley Williams renovated her family home in California's Bay Area, she asked the makeover team - designer Sherry Williamson, architect Andrew Mann, and builder Michael McCutcheon - for a clean-lined, ultra-eco-friendly residence. They wrapped all the floors, ceilings, walls, and casework in the gutted interiors with plain-sawn American white oak, achieving a beautiful balance among aesthetics, sustainability, and healthfulness.<br />
<br />
Since the latter was a priority, each and every building product used was screened for a comprehensive list of more than 900 chemicals of concern. Using solid timber helped avoid the unhealthy volatile organic compounds (VOCs) found in laminate glues. Thanks to those efforts, the house has been certified LEED Platinum - the U.S. Green Building Council's highest ranking.<br />
<br />
Architect Stephanie Horowitz of Boston-based ZeroEnergy Design is another expert at creating contemporary, environmentally sensitive, family-friendly homes.<br />
<br />
"We regularly specify domestic, sustainably harvested hardwood floors," she says.<br />
<br />
"When paired with a non-VOC finish, a hardwood floor helps maintain healthy indoor-air quality while allowing us to support local business and overall environmental health."<br />
<br />
Such was the case with a house she recently designed for a client who wanted an exceptionally healthy and comfortable living environment in a traditional neighborhood. By installing quarter-sawn white-oak floors, and selecting other durable materials and finishes with low or no VOCs and no added urea formaldehyde, Horowitz was able to achieve LEED-platinum certification for the house and, more importantly, ensure that its inhabitants can breathe easy.<br />
<br />
Visit www.hardwoodinfo.com for more about sustainability and healthfulness in relation to home applications and products using American hardwoods.<br />
<br />
Ref: Decoration - in Blogs
Read more
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Millie Zemlak Millie_Zemlak
(NewsUSA) - Are all those stories about crippling student debt having an effect on college campuses? Just ask post-Millennials now trying - albeit not always successfully - to avoid being saddled with the same heavy burden of debt as their predecessors.
According to Fidelity Investments' new "College Savings: Lessons Learned Study," not only did 83 percent of current college students surveyed consider what their total costs would be before matriculating - just 69 percent of recent graduates had such foresight - but 39 percent of them said the potential price tag was such "a huge factor" that they purposely limited their choice of schools to the most affordable. Only 32 percent of recent graduates, alas, had shown similar restraint.
"It seems today's college students are perhaps more aware of the financial situation they entered into than those who graduated before them," said Melissa Ridolfi, Fidelity's vice president of retirement and college leadership. "That's a positive development."
All told, student debt in the U.S. now totals more than $1.5 trillion - second only to mortgage debt, Forbes reported. And the 69 percent or so of the Class of 2018 who took out student loans graduated with an average debt balance of $29,800.
So you can understand why recent graduates would be so stressed out over whether they'd ever be able to pay off their loans that they're now having second thoughts about their decisions:
* 40 percent said that while they don't regret going to college, they would've made different choices in hindsight.
* Only 14 percent felt the value of their education was worth more than the money they'd spent.
Oh, and future college students should listen up for this sage advice from the more than 4,000 respondents surveyed - all recent graduates, current undergraduates, and parents of either or both - on what would've done wonders to ease their own stress levels.
"When asked 'If you knew then what you know now when it comes to school selection, what would you do differently?' the number one answer for all respondents was 'I would've started saving earlier,'" Ridolfi said.
Which logically brings us to another key finding of the study: Only 17 percent of current students and recent graduates had taken advantage, prior to college, of what's arguably one of the best ways to fund higher education: 529 savings plans.
Unlike regular bank savings accounts, they provide a tax-advantaged way to save money to cover tuition, books and other education-related expenses at most accredited two- and four-year colleges, universities and vocational-technical schools.
The key phrase being "tax-advantaged." Meaning, earnings grow federal income tax-deferred and withdrawals for qualified expenses are free from federal (and, in many places, state) income taxes - thus affording the opportunity to have even more saved for college.
Significantly, Ridolfi said families using a 529 plan managed by Fidelity have been starting to sock money away earlier than ever before, with contributions beginning on average when the child is about age six and a half. Thirty-six percent of Fidelity 529s are even opened for beneficiaries under - yes - age 2.
You say a child hasn't even uttered his or her first complete sentence before they're two? Probably not. But just so you're not bushwhacked when they suddenly hit their late teens, free online resources like Fidelity's College Savings Learning Center and College Savings Quick Check - a calculator that even shows you the impact of saving a few dollars more a month - can help prepare you for what lies ahead.
Ref: Education - in Blogs
According to Fidelity Investments' new "College Savings: Lessons Learned Study," not only did 83 percent of current college students surveyed consider what their total costs would be before matriculating - just 69 percent of recent graduates had such foresight - but 39 percent of them said the potential price tag was such "a huge factor" that they purposely limited their choice of schools to the most affordable. Only 32 percent of recent graduates, alas, had shown similar restraint.
"It seems today's college students are perhaps more aware of the financial situation they entered into than those who graduated before them," said Melissa Ridolfi, Fidelity's vice president of retirement and college leadership. "That's a positive development."
All told, student debt in the U.S. now totals more than $1.5 trillion - second only to mortgage debt, Forbes reported. And the 69 percent or so of the Class of 2018 who took out student loans graduated with an average debt balance of $29,800.
So you can understand why recent graduates would be so stressed out over whether they'd ever be able to pay off their loans that they're now having second thoughts about their decisions:
* 40 percent said that while they don't regret going to college, they would've made different choices in hindsight.
* Only 14 percent felt the value of their education was worth more than the money they'd spent.
Oh, and future college students should listen up for this sage advice from the more than 4,000 respondents surveyed - all recent graduates, current undergraduates, and parents of either or both - on what would've done wonders to ease their own stress levels.
"When asked 'If you knew then what you know now when it comes to school selection, what would you do differently?' the number one answer for all respondents was 'I would've started saving earlier,'" Ridolfi said.
Which logically brings us to another key finding of the study: Only 17 percent of current students and recent graduates had taken advantage, prior to college, of what's arguably one of the best ways to fund higher education: 529 savings plans.
Unlike regular bank savings accounts, they provide a tax-advantaged way to save money to cover tuition, books and other education-related expenses at most accredited two- and four-year colleges, universities and vocational-technical schools.
The key phrase being "tax-advantaged." Meaning, earnings grow federal income tax-deferred and withdrawals for qualified expenses are free from federal (and, in many places, state) income taxes - thus affording the opportunity to have even more saved for college.
Significantly, Ridolfi said families using a 529 plan managed by Fidelity have been starting to sock money away earlier than ever before, with contributions beginning on average when the child is about age six and a half. Thirty-six percent of Fidelity 529s are even opened for beneficiaries under - yes - age 2.
You say a child hasn't even uttered his or her first complete sentence before they're two? Probably not. But just so you're not bushwhacked when they suddenly hit their late teens, free online resources like Fidelity's College Savings Learning Center and College Savings Quick Check - a calculator that even shows you the impact of saving a few dollars more a month - can help prepare you for what lies ahead.
Ref: Education - in Blogs
(NewsUSA) - Are all those stories about crippling student debt having an effect on college campuses? Just ask post-Millennials now trying - albeit not always successfully - to avoid being saddled with the same heavy burden of debt as their predecessors.<br />
<br />
According to Fidelity Investments' new "College Savings: Lessons Learned Study," not only did 83 percent of current college students surveyed consider what their total costs would be before matriculating - just 69 percent of recent graduates had such foresight - but 39 percent of them said the potential price tag was such "a huge factor" that they purposely limited their choice of schools to the most affordable. Only 32 percent of recent graduates, alas, had shown similar restraint.<br />
<br />
"It seems today's college students are perhaps more aware of the financial situation they entered into than those who graduated before them," said Melissa Ridolfi, Fidelity's vice president of retirement and college leadership. "That's a positive development."<br />
<br />
All told, student debt in the U.S. now totals more than $1.5 trillion - second only to mortgage debt, Forbes reported. And the 69 percent or so of the Class of 2018 who took out student loans graduated with an average debt balance of $29,800.<br />
<br />
So you can understand why recent graduates would be so stressed out over whether they'd ever be able to pay off their loans that they're now having second thoughts about their decisions:<br />
<br />
* 40 percent said that while they don't regret going to college, they would've made different choices in hindsight.<br />
<br />
* Only 14 percent felt the value of their education was worth more than the money they'd spent.<br />
<br />
Oh, and future college students should listen up for this sage advice from the more than 4,000 respondents surveyed - all recent graduates, current undergraduates, and parents of either or both - on what would've done wonders to ease their own stress levels.<br />
<br />
"When asked 'If you knew then what you know now when it comes to school selection, what would you do differently?' the number one answer for all respondents was 'I would've started saving earlier,'" Ridolfi said.<br />
<br />
Which logically brings us to another key finding of the study: Only 17 percent of current students and recent graduates had taken advantage, prior to college, of what's arguably one of the best ways to fund higher education: 529 savings plans.<br />
<br />
Unlike regular bank savings accounts, they provide a tax-advantaged way to save money to cover tuition, books and other education-related expenses at most accredited two- and four-year colleges, universities and vocational-technical schools.<br />
<br />
The key phrase being "tax-advantaged." Meaning, earnings grow federal income tax-deferred and withdrawals for qualified expenses are free from federal (and, in many places, state) income taxes - thus affording the opportunity to have even more saved for college.<br />
<br />
Significantly, Ridolfi said families using a 529 plan managed by Fidelity have been starting to sock money away earlier than ever before, with contributions beginning on average when the child is about age six and a half. Thirty-six percent of Fidelity 529s are even opened for beneficiaries under - yes - age 2.<br />
<br />
You say a child hasn't even uttered his or her first complete sentence before they're two? Probably not. But just so you're not bushwhacked when they suddenly hit their late teens, free online resources like Fidelity's College Savings Learning Center and College Savings Quick Check - a calculator that even shows you the impact of saving a few dollars more a month - can help prepare you for what lies ahead.<br />
<br />
Ref: Education - in Blogs
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GlacierPeak GlacierPeak
Welcome to GlacierPeak. We're a one-stop shop for everything snowboarding. We love winter just like you, but especially those heavy snow storms. When we see them, we become extremely happy instantly!
What we need
We're looking for influencers for the launch of our new product line. We need you to post invitations to invite followers to visit our website via a 15 second video or a permanent story, to see our new product line. We'll send you $500.00, or 50,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.
CONDITIONS
Audience
United-States, UK, Australia
Language
English
Channels
Lifestyle, Fashion, Beauty, Travel
Minimum Followers
1000
Age Group
18-65
Genders
Any
Post Type
15 Second Video or Story With Images
Pay Per Post Amount in Money
$500.00
Pay Per Post in Points. 100 Points = $1.00
50,000
Commission Per Sale
$0
Item Shipped For Review
None
Must Create a New Creative From Scratch
Yes
Must Use The Images And Video Supplied
No
Must Follow Some Specific Guidelines
No
Must Avoid Saying or Showing Specific Things
No
Content Must Be Approved Before Posting
No
Delivery Delay in Days
5 Business day
Delivery Exact Date
None
Our Website URL
GlacierPeak
Category: Influencer Marketing Offers - in Marketing
What we need
We're looking for influencers for the launch of our new product line. We need you to post invitations to invite followers to visit our website via a 15 second video or a permanent story, to see our new product line. We'll send you $500.00, or 50,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.
CONDITIONS
Audience
United-States, UK, Australia
Language
English
Channels
Lifestyle, Fashion, Beauty, Travel
Minimum Followers
1000
Age Group
18-65
Genders
Any
Post Type
15 Second Video or Story With Images
Pay Per Post Amount in Money
$500.00
Pay Per Post in Points. 100 Points = $1.00
50,000
Commission Per Sale
$0
Item Shipped For Review
None
Must Create a New Creative From Scratch
Yes
Must Use The Images And Video Supplied
No
Must Follow Some Specific Guidelines
No
Must Avoid Saying or Showing Specific Things
No
Content Must Be Approved Before Posting
No
Delivery Delay in Days
5 Business day
Delivery Exact Date
None
Our Website URL
GlacierPeak
Category: Influencer Marketing Offers - in Marketing
Welcome to GlacierPeak. We're a one-stop shop for everything snowboarding. We love winter just like you, but especially those heavy snow storms. When we see them, we become extremely happy instantly! <br />
<br />
What we need<br />
<br />
We're looking for influencers for the launch of our new product line. We need you to post invitations to invite followers to visit our website via a 15 second video or a permanent story, to see our new product line. We'll send you $500.00, or 50,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.<br />
<br />
CONDITIONS<br />
<br />
Audience<br />
United-States, UK, Australia<br />
<br />
Language<br />
English<br />
<br />
Channels<br />
Lifestyle, Fashion, Beauty, Travel<br />
<br />
Minimum Followers<br />
1000<br />
<br />
Age Group<br />
18-65<br />
<br />
Genders<br />
Any<br />
<br />
Post Type<br />
15 Second Video or Story With Images<br />
<br />
Pay Per Post Amount in Money<br />
$500.00<br />
<br />
Pay Per Post in Points. 100 Points = $1.00<br />
50,000<br />
<br />
Commission Per Sale<br />
$0<br />
<br />
Item Shipped For Review<br />
None<br />
<br />
Must Create a New Creative From Scratch<br />
Yes<br />
<br />
Must Use The Images And Video Supplied<br />
No<br />
<br />
Must Follow Some Specific Guidelines<br />
No<br />
<br />
Must Avoid Saying or Showing Specific Things<br />
No<br />
<br />
Content Must Be Approved Before Posting<br />
No<br />
<br />
Delivery Delay in Days<br />
5 Business day<br />
<br />
Delivery Exact Date<br />
None<br />
<br />
Our Website URL<br />
<a onclick="$('#phonebook-category-no-city').val($(this).text());" class="coolinks btn-scroll hashword" href="https://stallios.com/GlacierPeak">GlacierPeak</a><br />
<br />
<br />
<span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Influencer Marketing Offers - in Marketing</span>
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Alkuansinta Rohman alkocoko
Beyond Ordinary Beaches: Solo Camping at Bukit Pengilon, Gunung Kidul, Yogyakarta
Have you ever found yourself sitting idle, wondering where to go for your next adventure? The beach sounds appealing, but you want something different from the typical coastal experience. If this resonates with you, then you're in the same boat as I was, and I have the perfect solution to share.
Currently staying in Yogyakarta, I decided to explore one of the region's coastal gems. Yogyakarta is renowned for its stunning beaches, particularly in the Gunung Kidul area, which has undergone massive road infrastructure development in recent years. Access to Gunung Kidul from Yogyakarta city has become remarkably convenient and relatively quick. Among the coastal destinations in Gunung Kidul, my choice this time was Bukit Pengilon Beach.
A Beach Unlike Any Other
Bukit Pengilon isn't your typical Gunung Kidul beach with pristine white sand perfect for water activities. Instead, it offers a breathtaking panorama of ocean views, coastal landscapes, rolling hills, and dramatic cliffs. The seascape from this vantage point is absolutely captivating, and I can confidently say that Bukit Pengilon ranks as the most beautiful beach in Yogyakarta. If you're visiting Yogya, you must experience this destination at least once.
My Solo Camping Adventure
My beach getaway took place on May 30, 2025, and I planned an overnight camping trip to fully immerse myself in Bukit Pengilon's stunning scenery. This was a solo camping adventure, as none of my friends were available to join me at the time. I frequently embark on solo outdoor activities like camping because I genuinely enjoy the tranquility and peace that nature provides.
Getting There
My journey began from Kaliurang, Sleman, Yogyakarta at 5:30 AM, arriving at Bukit Pengilon by 8:00 AM. The 2.5-hour drive passed smoothly despite moderate traffic conditions.
Bukit Pengilon is accessible by both motorcycle and car, though cars cannot reach the main entrance directly. Car travelers must park at the designated area before the tourist site and either walk or hire local ojek (motorcycle taxi) services provided by village residents. The route from the parking area to the tourist site is quite challenging and steep, so motorcyclists should exercise caution.
Cost breakdown:
Beach area entrance: IDR 8,000
Overnight motorcycle parking: IDR 10,000
Tourist site entry: IDR 2,000
Camping fee: IDR 20,000
Optimal Visiting Times
The best times to visit Bukit Pengilon are during morning or late afternoon hours. Morning visits offer cooler sunlight and optimal lighting conditions for photography enthusiasts. As the sun climbs higher, temperatures can become uncomfortably hot for some visitors. Midday photography isn't ideal due to harsh lighting that diminishes the coastal panorama's visual impact.
If you have ample free time, consider staying until sunset, as the evening panorama is truly enchanting, especially by Yogyakarta standards.
The Magic of Overnight Camping
For those with extended leisure time, I highly recommend experiencing this beach through overnight camping. Spending a full night at the coast proved surprisingly delightful and beautiful. You can enjoy your time while gazing at billions of stars overhead, accompanied by the rhythmic symphony of crashing waves.
Stargazing Paradise
Astrophotography enthusiasts will find Bukit Pengilon an excellent choice for pursuing their passion. The starry panorama at Bukit Pengilon is absolutely magnificent. You can observe various stellar constellations including Scorpion, Ursa Major, and many others. Such pristine starry views are increasingly rare in Yogyakarta, particularly in urban areas where light pollution obscures celestial visibility.
Why Bukit Pengilon Should Be Your Next Destination
After reading this account, I'm confident you'll be inspired to make this beach your next travel destination in Yogyakarta. Bukit Pengilon offers a unique coastal experience that transcends ordinary beach visits, combining natural beauty with adventure and tranquility.
Whether you're seeking stunning photography opportunities, peaceful solitude, or an unforgettable stargazing experience, Bukit Pengilon delivers an extraordinary coastal adventure that will leave lasting memories.
Have you had similar experiences or questions about visiting Bukit Pengilon? Feel free to share your thoughts in the comments below!
Have you ever found yourself sitting idle, wondering where to go for your next adventure? The beach sounds appealing, but you want something different from the typical coastal experience. If this resonates with you, then you're in the same boat as I was, and I have the perfect solution to share.
Currently staying in Yogyakarta, I decided to explore one of the region's coastal gems. Yogyakarta is renowned for its stunning beaches, particularly in the Gunung Kidul area, which has undergone massive road infrastructure development in recent years. Access to Gunung Kidul from Yogyakarta city has become remarkably convenient and relatively quick. Among the coastal destinations in Gunung Kidul, my choice this time was Bukit Pengilon Beach.
A Beach Unlike Any Other
Bukit Pengilon isn't your typical Gunung Kidul beach with pristine white sand perfect for water activities. Instead, it offers a breathtaking panorama of ocean views, coastal landscapes, rolling hills, and dramatic cliffs. The seascape from this vantage point is absolutely captivating, and I can confidently say that Bukit Pengilon ranks as the most beautiful beach in Yogyakarta. If you're visiting Yogya, you must experience this destination at least once.
My Solo Camping Adventure
My beach getaway took place on May 30, 2025, and I planned an overnight camping trip to fully immerse myself in Bukit Pengilon's stunning scenery. This was a solo camping adventure, as none of my friends were available to join me at the time. I frequently embark on solo outdoor activities like camping because I genuinely enjoy the tranquility and peace that nature provides.
Getting There
My journey began from Kaliurang, Sleman, Yogyakarta at 5:30 AM, arriving at Bukit Pengilon by 8:00 AM. The 2.5-hour drive passed smoothly despite moderate traffic conditions.
Bukit Pengilon is accessible by both motorcycle and car, though cars cannot reach the main entrance directly. Car travelers must park at the designated area before the tourist site and either walk or hire local ojek (motorcycle taxi) services provided by village residents. The route from the parking area to the tourist site is quite challenging and steep, so motorcyclists should exercise caution.
Cost breakdown:
Beach area entrance: IDR 8,000
Overnight motorcycle parking: IDR 10,000
Tourist site entry: IDR 2,000
Camping fee: IDR 20,000
Optimal Visiting Times
The best times to visit Bukit Pengilon are during morning or late afternoon hours. Morning visits offer cooler sunlight and optimal lighting conditions for photography enthusiasts. As the sun climbs higher, temperatures can become uncomfortably hot for some visitors. Midday photography isn't ideal due to harsh lighting that diminishes the coastal panorama's visual impact.
If you have ample free time, consider staying until sunset, as the evening panorama is truly enchanting, especially by Yogyakarta standards.
The Magic of Overnight Camping
For those with extended leisure time, I highly recommend experiencing this beach through overnight camping. Spending a full night at the coast proved surprisingly delightful and beautiful. You can enjoy your time while gazing at billions of stars overhead, accompanied by the rhythmic symphony of crashing waves.
Stargazing Paradise
Astrophotography enthusiasts will find Bukit Pengilon an excellent choice for pursuing their passion. The starry panorama at Bukit Pengilon is absolutely magnificent. You can observe various stellar constellations including Scorpion, Ursa Major, and many others. Such pristine starry views are increasingly rare in Yogyakarta, particularly in urban areas where light pollution obscures celestial visibility.
Why Bukit Pengilon Should Be Your Next Destination
After reading this account, I'm confident you'll be inspired to make this beach your next travel destination in Yogyakarta. Bukit Pengilon offers a unique coastal experience that transcends ordinary beach visits, combining natural beauty with adventure and tranquility.
Whether you're seeking stunning photography opportunities, peaceful solitude, or an unforgettable stargazing experience, Bukit Pengilon delivers an extraordinary coastal adventure that will leave lasting memories.
Have you had similar experiences or questions about visiting Bukit Pengilon? Feel free to share your thoughts in the comments below!
Beyond Ordinary Beaches: Solo Camping at Bukit Pengilon, Gunung Kidul, Yogyakarta<br /><br />Have you ever found yourself sitting idle, wondering where to go for your next adventure? The beach sounds appealing, but you want something different from the typical coastal experience. If this resonates with you, then you're in the same boat as I was, and I have the perfect solution to share.<br />Currently staying in Yogyakarta, I decided to explore one of the region's coastal gems. Yogyakarta is renowned for its stunning beaches, particularly in the Gunung Kidul area, which has undergone massive road infrastructure development in recent years. Access to Gunung Kidul from Yogyakarta city has become remarkably convenient and relatively quick. Among the coastal destinations in Gunung Kidul, my choice this time was Bukit Pengilon Beach.<br /><br />A Beach Unlike Any Other<br />Bukit Pengilon isn't your typical Gunung Kidul beach with pristine white sand perfect for water activities. Instead, it offers a breathtaking panorama of ocean views, coastal landscapes, rolling hills, and dramatic cliffs. The seascape from this vantage point is absolutely captivating, and I can confidently say that Bukit Pengilon ranks as the most beautiful beach in Yogyakarta. If you're visiting Yogya, you must experience this destination at least once.<br /><br />My Solo Camping Adventure<br />My beach getaway took place on May 30, 2025, and I planned an overnight camping trip to fully immerse myself in Bukit Pengilon's stunning scenery. This was a solo camping adventure, as none of my friends were available to join me at the time. I frequently embark on solo outdoor activities like camping because I genuinely enjoy the tranquility and peace that nature provides.<br /><br />Getting There<br />My journey began from Kaliurang, Sleman, Yogyakarta at 5:30 AM, arriving at Bukit Pengilon by 8:00 AM. The 2.5-hour drive passed smoothly despite moderate traffic conditions.<br /><br />Bukit Pengilon is accessible by both motorcycle and car, though cars cannot reach the main entrance directly. Car travelers must park at the designated area before the tourist site and either walk or hire local ojek (motorcycle taxi) services provided by village residents. The route from the parking area to the tourist site is quite challenging and steep, so motorcyclists should exercise caution.<br />Cost breakdown:<br /><br />Beach area entrance: IDR 8,000<br />Overnight motorcycle parking: IDR 10,000<br />Tourist site entry: IDR 2,000<br />Camping fee: IDR 20,000<br /><br />Optimal Visiting Times<br />The best times to visit Bukit Pengilon are during morning or late afternoon hours. Morning visits offer cooler sunlight and optimal lighting conditions for photography enthusiasts. As the sun climbs higher, temperatures can become uncomfortably hot for some visitors. Midday photography isn't ideal due to harsh lighting that diminishes the coastal panorama's visual impact.<br />If you have ample free time, consider staying until sunset, as the evening panorama is truly enchanting, especially by Yogyakarta standards.<br /><br />The Magic of Overnight Camping<br />For those with extended leisure time, I highly recommend experiencing this beach through overnight camping. Spending a full night at the coast proved surprisingly delightful and beautiful. You can enjoy your time while gazing at billions of stars overhead, accompanied by the rhythmic symphony of crashing waves.<br /><br />Stargazing Paradise<br />Astrophotography enthusiasts will find Bukit Pengilon an excellent choice for pursuing their passion. The starry panorama at Bukit Pengilon is absolutely magnificent. You can observe various stellar constellations including Scorpion, Ursa Major, and many others. Such pristine starry views are increasingly rare in Yogyakarta, particularly in urban areas where light pollution obscures celestial visibility.<br /><br />Why Bukit Pengilon Should Be Your Next Destination<br />After reading this account, I'm confident you'll be inspired to make this beach your next travel destination in Yogyakarta. Bukit Pengilon offers a unique coastal experience that transcends ordinary beach visits, combining natural beauty with adventure and tranquility.<br /><br />Whether you're seeking stunning photography opportunities, peaceful solitude, or an unforgettable stargazing experience, Bukit Pengilon delivers an extraordinary coastal adventure that will leave lasting memories.<br />Have you had similar experiences or questions about visiting Bukit Pengilon? Feel free to share your thoughts in the comments below!
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